| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | METROPOLITAN LIFE INSURANCE COMPANY | $465K | $90 | $465K | 9.08% |
| GIBSON INSURANCE AGENCY, INC.3 | PO BOX 610 PLYMOUTH, IN 46563 | METROPOLITAN LIFE INSURANCE COMPANY | $193K | $100 | $193K | 3.77% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | DELTA DENTAL OF INDIANA | $95K | $0 | $95K | 2.69% |
| GIBSON INSURANCE AGENCY, INC.3 | 130 SOUTH MAIN STREET, SUITE 400 SOUTH BEND, IN 46601 | DELTA DENTAL OF INDIANA | $9K | $12K | $21K | 0.59% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325K | — | $325K | 24.07% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $325K | — | $325K | 24.07% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | TRUSTMARK INSURANCE COMPANY | $350K | — | $350K | 43.12% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | TRUSTMARK INSURANCE COMPANY | $350K | — | $350K | 43.11% |
| THE SCOTT GROUP BENEFITS SPEC LLC3 Filed as: THE SCOTT GROUP BENEFIT SPECIALIST | 8320 ALLISON POINTE BOULEVARD INDIANAPOLIS, IN 46250 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 0.23% |
| JEANNE K SHAWHAN3 Filed as: JEANNE K. SHAWHAN | 3545 SYLVAN RIDGE COURT INDIANAPOLIS, IN 46256 | TRUSTMARK INSURANCE COMPANY | $2K | $0 | $2K | 0.19% |
| INSURANCE OFFICE OF AMERICA3 | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 22.09% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $28K | — | $28K | 22.09% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $2K | $17K | 21.77% |
| GIBSON INSURANCE AGENCY, INC.3 | 333 EAST JEFFERSON PLYMOUTH, IN 46563 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $14K | $826 | $15K | 18.89% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $185 | $0 | $185 | 0.24% |
| BENEFIT COMMUNICATIONS INC3 Filed as: BENEFIT COMMUNICATIONS INC. | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | $887 | $8K | 46.67% |
| GIBSON INSURANCE AGENCY, INC.3 | 333 EAST JEFFERSON PLYMOUTH, IN 46563 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $233 | $4K | 23.54% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 CAPITAL OF TEXAS HIGHWAY SUITE 125 AUSTIN, TX 78746 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $173 | $173 | 0.97% |
| CHRISTOPHER THOMAS SMITH3 Filed as: CHRISTOPHER ROBERT MORRIS | 2977 SIDCO DRIVE NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $14 | $0 | $14 | 0.08% |
| INSURANCE OFFICE OF AMERICA3 | 100 GALLERIA PARKWAY SE, SUITE 600 ATLANTA, GA 30339 | ZURICH AMERICAN INSURANCE COMPANY | $643 | $0 | $643 | 15.01% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 21,540 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 21,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF INDIANA | 16,479 | $3.5M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 21,540 | $5.1M |
| Life insurance(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,540 | $7.4M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,540 | $5.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 21,540 | $5.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 21,540 | $5.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 21,540 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.